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A cash-out refinance replaces your existing mortgage while home equity loans and HELOCs involve taking on an additional debt. With all three, the amount you can borrow will depend on the amount of ...
That 20 percent equity requirement also means you’d need a CLTV ratio of 80 percent or lower. To calculate your CLTV ratio, divide the total mortgage debt ($310,000) by the value of your home ...
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